The reason that most individuals are in debit is due to the overuse as well as irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debits. To what extent do you agree with this?

#reason #individuals #debit #overuse #credit #cards #banks #individual’s #ability #debits

this

modern word, almost all the processes has

gone vir

Suggestion

have gone

tual, payment and selling are not the exception.

Cred

Suggestion

A credit card

The credit card

card

which is well-known as one of the plastic money gives purchasing power to the person even if he or she does not have enough cash.

This

has made peop

le extravagant and

Accept comma addition

people, extravagant

put them in debt

which cau

Accept comma addition

debt, which

ses dangerous consequences for both people and the

card

issuer. To resolve

this

problem, the bank should check the history of the applicant’s

credit

records before issuing

this

facility.

To begin

with, as people could purchase without thinking the price and the income, they become imprudent and would purchase the things which they might not need.

This

tendency of the consumer increases liabilities and make

the

Suggestion

makes

m bankrupt.

Also

, the citizen are not conscious about

credit

limit and due date of the payment.

This

means they will have to pay heft

y premium of

Suggestion

a hefty premium

hefty premiums

the interest which is more than any loan like home

loan or

Suggestion

a home loan

home loans

vehicle loan. As they end up without the money, they might not be able to compensate.

Thus

credit

card

certainly brings a failure if not used judiciously.

This

failure affects the economy of the country as a financial institute and its stakeholders are harmed economically. Owing to the customer under high

ly deb

Suggestion

high

it who does not have enough liquid to pay back, the bank would have to use external forc

es like deb

Accept comma addition

forces, like

t collection agency which may use wron

g ways for

Suggestion

the wrong ways

such

repayments.

This

could make the negative publicity for the organization and its stock price may fall.

On the other hand

, the ruined patriot

also

suffers financially and mentally.

For instance

, the one who cannot repay may lose its property and capi

tal which dis

Accept comma addition

capital, which

turbs him economically and psychologically. Under

such

pressures, person may attempt to suicide.

Thus

, these disastrous consequences insist a background check by the financial agencies before providing a

credit

card

. To conclude, I strongly believe there should be a stringent rule by the company to provide the

credit

limit below the salary.

Such

rules ensure win-win situation for both the corporation and customer of the

credit

card

Suggestion

cards

Submitted by sumayaothman96 on Wed Jan 22 2020

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The reason that most individuals are in debit is due to the overuse as well as irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debits. To what extent do you agree with this?

Your opinion

Some people think that schools should reward students who show the best academic results, while others believe that it is more important to reward students who show improvements. Discuss both views and give your own opinion.

It is often argued that it is difficult to get children to read. Why do you think this is? What measures could be taken to encourage children to read more?

In spite of the advances made in agriculture, many people around the world still go hungry. Why is this case? What can be done about this problem?

You kid school is going for a trip outside country for 3 days and parent is allowed to join the group ask questions about the trip why you want to join the group? how can you help?

Today more countries import food different parts of the world. Discuss the advantages and disadvantages of this trend.

The reason that most individuals are in debit is due to the overuse as well as irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debits. To what extent do you agree with this?